Retirement Calculator
Estimate the corpus you may need at retirement and the monthly SIP to work towards it.
₹5 L
Monthly expenses at retirement
₹2,87,175
In 30 years, at 6% inflation
Estimated corpus required
₹7,29,26,275
To fund 25 years after retirement
Monthly SIP needed
₹21,049
For 30 years, to bridge a gap of ₹5.96 Cr
Your existing savings of ₹5,00,000 could grow to about ₹1,33,54,049 by retirement at 11% p.a. These figures are illustrative estimates, not guaranteed outcomes.
Projected corpus by age (illustrative)
Accumulation with the monthly SIP above until age 60, then monthly withdrawals for inflation-adjusted expenses.
How this works
Your current monthly expenses are inflated to your retirement age to estimate the monthly expense in the first year of retirement.
The required corpus is the amount needed at retirement to fund those inflation-adjusted expenses until your life expectancy, assuming the remaining corpus keeps earning the post-retirement return you enter.
Existing savings are grown at the pre-retirement return; the shortfall is converted into the monthly SIP that would be needed (invested at the start of each month) to bridge the gap.
Retirement planning involves many uncertainties including inflation, longevity, health costs and market returns. Review your plan regularly.
The results shown are illustrative estimates based on the assumptions you enter and are not a guarantee of future returns. Actual returns may be higher or lower. Mutual fund investments are subject to market risks; read all scheme related documents carefully. Past performance does not guarantee future returns. These tools are for educational purposes only and do not constitute investment advice or a recommendation of any product. WealthBay is an AMFI-registered Mutual Fund Distributor (ARN 29566).
Turn Estimates into a Personalised Plan
Calculators show what is possible under a set of assumptions. Our team can help you review your goals, risk appetite and existing investments in a free, no-obligation conversation.